Cheapest Car Insurance Quotes in Wade Hampton

Finding the cheapest car insurance quotes in Wade Hampton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Wade Hampton Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Wade Hampton

The car insurance rate in Wade Hampton is $829 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Wade Hampton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Wade Hampton

$829

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Wade Hampton

1st place: American National P&C

At $339 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: South Carolina Farm Bureau

South Carolina Farm Bureau offers auto insurance rates at $440 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $487 for six months, making it the third cheapest auto insurance company in Wade Hampton.

Wade Hampton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wade Hampton, SC is American National P&C, offering policies at just $339 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $440.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wade Hampton drivers find the best deals.

Cheap Car Insurance Companies in Wade Hampton, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$58
South Carolina Farm Bureau	$440	$73
American National	$487	$82
Auto-Owners Insurance Co	$505	$84
American Family	$766	$130
Encompass	$790	$132
USAA	$873	$147
Auto-Owners	$891	$150
Travelers	$921	$155
Progressive	$968	$163
Farm Bureau	$986	$168
Allstate	$1146	$193
State Farm	$1158	$195
Nationwide	$1348	$225

Key Takeaways

Way's key takeaways about car insurance in Wade Hampton

The auto insurance costs in Wade Hampton fall around $339 for six months.
The cheapest auto insurance company in Wade Hampton is American National.
Teen drivers pay the highest rate in Wade Hampton at $27 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Wade Hampton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Wade Hampton are given below.

American National provides the cheapest minimum car insurance coverage in Wade Hampton. Their Average 6 Month Premium is $149. Nationwide is the most expensive at $689 for the same period.

Cheapest Liability Coverage in Wade Hampton, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$149	$25
American National P&C	$184	$31
Encompass	$220	$37
USAA	$226	$38
South Carolina Farm Bureau	$238	$40
Auto-Owners Insurance Co	$267	$45
American Family	$327	$56
Progressive	$345	$58
Auto-Owners	$386	$65
Travelers	$410	$69
Farm Bureau	$416	$71
Allstate	$422	$71
State Farm	$517	$87
Nationwide	$689	$115

Cheapest Full Coverage Car Insurance in Wade Hampton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Wade Hampton is American National P&C at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wade Hampton, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$58
South Carolina Farm Bureau	$440	$73
American National	$487	$82
Auto-Owners Insurance Co	$505	$84
American Family	$766	$130
Encompass	$790	$132
USAA	$873	$147
Auto-Owners	$891	$150
Travelers	$921	$155
Progressive	$968	$163
Farm Bureau	$986	$168
Allstate	$1146	$193
State Farm	$1158	$195
Nationwide	$1348	$225

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wade Hampton Instantly!

Average Car Insurance in Wade Hampton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Wade Hampton, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Wade Hampton, South Carolina, may be increasing due to several external factors. South Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Wade Hampton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Wade Hampton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Wade Hampton,SC

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Wade Hampton at $36 per month. At $160 for a six-month premium, American National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$214	$36
South Carolina Farm Bureau	$309	$53
Auto-Owners Insurance Co	$339	$56
American Family	$368	$63
Travelers	$1503	$253
Farm Bureau	$1776	$302
USAA	$1847	$311
Allstate	$2043	$344
Auto-Owners	$2216	$373
Progressive	$2780	$468
State Farm	$2940	$495
Nationwide	$3481	$592
American National	$160	$27

Teen Car Insurance Rates in SC by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Wade Hampton, South Carolina Farm Bureau is the cheapest car insurance provider. At $446 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Wade Hampton is State Farm, offering rates of around $5007 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$446	$74
American National P&C	$624	$106
American Family	$713	$119
Auto-Owners Insurance Co	$748	$127
USAA	$1040	$173
Travelers	$1289	$217
Progressive	$1337	$225
Allstate	$1634	$275
Farm Bureau	$1770	$295
Nationwide	$2037	$346
Auto-Owners	$2495	$416
State Farm	$5007	$851

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Wade Hampton.

Car Insurance Rates with An Accident in Wade Hampton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Wade Hampton, SC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Wade Hampton

The cheapest car insurance companies after an at-fault accident in Wade Hampton include American National and American National P&C, offering $190 and $244, respectively. Nationwide is an expensive provider with an average six-month premium of $1942.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$190	$32
American National P&C	$244	$41
Encompass	$273	$46
South Carolina Farm Bureau	$303	$52
American Family	$339	$56
Auto-Owners Insurance Co	$386	$66
Auto-Owners	$802	$135
USAA	$808	$136
Travelers	$820	$138
Farm Bureau	$909	$153
Progressive	$1176	$198
State Farm	$1283	$216
Allstate	$1835	$309
Nationwide	$1942	$330

Wade Hampton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wade Hampton SC. For example, the car insurance in Wade Hampton after a DUI increases to $695 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

Wade Hampton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1200	$204
Not-at-fault accident	$1265	$211
Two Med/PIP claims	$1277	$217
One comp claim	$1283	$214
Two comp claims	$1325	$225
Failure to wear a seat belt	$1372	$229
Child safety restraint	$1402	$238
Driving without lights	$1402	$234
Failure to show documents	$1414	$240
Failure to yield	$1455	$243
Failure to stop at a red light	$1461	$248
Driving too slowly	$1503	$250
Speeding 6 - 10 MPH over limit	$1503	$256
Speeding in school zone	$1503	$250
At-fault accident - less than $1000	$1509	$257
In 65 MPH zone	$1509	$251
Driving with expired registration	$1515	$258
Following too closely	$1515	$252
Illegal turn	$1515	$258
Speeding 11 - 15 MPH over limit	$1515	$252
Wrong way/wrong lane	$1515	$258
Cell phone violation	$1521	$253
Texting while driving	$1521	$259
Improper passing	$1527	$254
Operating a vehicle without permission	$1527	$260
Speeding 16 - 20 MPH over limit	$1527	$254
Speeding 21 - 25 MPH over limit	$1527	$260
Passing school bus	$1550	$258
Open container	$1562	$266
At-fault accident - $1000-$2000	$1723	$287
At-fault accident - greater than $2000	$1723	$293
Refusal to submit to a chemical test	$1871	$312
DUI	$1895	$322
Reckless driving	$1942	$324
Driving with a suspended license	$1948	$331
Racing	$1954	$326
Leaving scene of an accident/hit and run	$2020	$343

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Wade Hampton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Wade Hampton.

The cheapest car insurance premiums in Wade Hampton are offered by American National P&C at $273 for a six-month policy. However, it can be as expensive as $232 with companies like American National.

Wade Hampton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$273	$46
American Family	$285	$48
South Carolina Farm Bureau	$291	$49
Auto-Owners Insurance Co	$606	$103
Farm Bureau	$843	$142
Travelers	$927	$156
USAA	$980	$165
Progressive	$986	$166
State Farm	$1301	$219
Allstate	$1449	$244
Auto-Owners	$1889	$315
Nationwide	$2578	$438
American National	$232	$39

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Wade Hampton are offered by American National P&C at $244. However, it can be as expensive as $1639 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Wade Hampton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$244	$41
South Carolina Farm Bureau	$273	$46
Auto-Owners Insurance Co	$303	$50
American Family	$345	$59
USAA	$820	$137
Auto-Owners	$861	$146
State Farm	$944	$159
Travelers	$956	$161
Farm Bureau	$1069	$178
Progressive	$1117	$188
Allstate	$1348	$227
Nationwide	$1639	$279

Car Insurance Price Trends in Wade Hampton, South Carolina

Car insurance rates in Wade Hampton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Wade Hampton rose by $195 in January compared to $174 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Wade Hampton rose to $60 in January, compared to $58 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Wade Hampton?

The car insurance in Wade Hampton is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Wade Hampton?

The cheapest car insurance in Wade Hampton is $58 per month for full coverage.

How much is car insurance in Wade Hampton for teenagers?

Car insurance for teenagers costs $214 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Wade Hampton?

The average cost of car insurance is $829 for a six-month policy. It will cost around $139 per month to insure your car in Wade Hampton.

Is car insurance expensive in Wade Hampton?

Car insurance can be expensive in Wade Hampton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Wade Hampton can be affordable.

What is the best car insurance in Wade Hampton, SC?

The best car insurance company in Wade Hampton SC is American National P&C, offering $339 for a six-month policy.